When you experience a car crash, it is vital to know your first steps. No one plans on getting into an accident; however, you can prepare yourself for the worst-case scenario.
Before getting into a motor vehicle accident, see below to learn what to do immediately after the crash. Following the advice below may differ between receiving a partial or full insurance payout.
Check for injuries
As soon as the vehicles stop moving, check for injuries you and your passengers sustained if any. Call the local authorities and ask for an emergency medical unit if necessary. Kentucky law mandates that you carry a minimum of $25,000 for injuries to a single person and $50,000 for multiple injured parties.
Next, you need details. Talk to the drivers and passengers to get names, phone numbers, addresses, insurance information and license plate numbers. If there are any witnesses, get their contact info as well. Take pictures of the accident if it is safe to do so.
Do not overshare
Do not share anything other than your contact and insurance information with the other involved parties. Kentucky is a no-fault state, so you should receive an insurance payout. However, the other driver may sue you for medical expenses over $1000.
Report the accident
Call your insurance company and report the claim. However, do not give a statement. Do not place blame or accept blame for the accident. Refuse any details about your injuries until you consult with a lawyer.
The key to receiving a total payout after a car accident is keeping the details you share to a minimum. Take extensive notes and pictures of the scene, and do not speak with the other driver’s insurance company on your own.